FMBN (Farmers and Merchants Bancshares) Interest Expense: $-2.00 Mil (TTM As of Dec. 2025)


FMBN Farmers and Merchants Bancshares Inc FMBN
51 GF Score
Price $35.50
GF Value $24.88
! 5 Warning Signs
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What is Farmers and Merchants Bancshares Interest Expense?

Farmers and Merchants Bancshares FMBN 51 Interest Expense is $-2.00 Mil as of Dec. 2025. GuruFocus rates FMBN with a GF Score™ of 51/100 and a GF Value™ of $24.88. The stock has 5 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Farmers and Merchants Bancshares's interest expense for the six months ended in Dec. 2025 was $ -2.00 Mil. Its interest expense for the trailing twelve months (TTM) ended in Dec. 2025 was $-2.00 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Farmers and Merchants Bancshares's Operating Income for the six months ended in Dec. 2025 was $ Mil. Farmers and Merchants Bancshares's Interest Expense for the six months ended in Dec. 2025 was $ Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Farmers and Merchants Bancshares Interest Expense Historical Data

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The historical data trend for Farmers and Merchants Bancshares's Interest Expense can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Farmers and Merchants Bancshares Interest Expense Chart

Farmers and Merchants Bancshares Annual Data
Trend Dec04 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.56 -1.01 -2.41 -2.88 -2.00

Farmers and Merchants Bancshares Semi-Annual Data
Dec03 Dec04 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only -0.56 -1.01 -2.41 -2.88 -2.00
FMBN
51GF Score
Farmers and Merchants Bancshares Inc FMBN
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Farmers and Merchants Bancshares Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Interest Expense for the trailing twelve months (TTM) ended in Dec. 2025 was $-2.00 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of $-2.00 Mil mean?
Farmers and Merchants Bancshares (FMBN) has a Interest Expense of $-2.00 Mil as of Dec. 2025. Interest Expense is the amount a company pays on its long-term debt. View historical data on Farmers and Merchants Bancshares and its competitors.
Is Farmers and Merchants Bancshares' Interest Expense too high?
Farmers and Merchants Bancshares' current Interest Expense is $-2.00 Mil. Overall, Farmers and Merchants Bancshares has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does Farmers and Merchants Bancshares' Interest Expense compare to JDVB and RVSB?
Farmers and Merchants Bancshares' Interest Expense of $-2.00 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Farmers and Merchants Bancshares and its competitors. Farmers and Merchants Bancshares's current Interest Expense is $-2.00 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Farmers and Merchants Bancshares stock overvalued right now?
Farmers and Merchants Bancshares (FMBN) has a current Interest Expense of $-2.00 Mil. The stock's GF Value™ is $24.88, compared to a current price of $35.50 — trading 42.7% above its estimated fair value. The current Interest Expense is $-2.00 Mil. Farmers and Merchants Bancshares' overall GF Score™ is 51/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Farmers and Merchants Bancshares (FMBN), the current Interest Expense is $-2.00 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Farmers and Merchants Bancshares (FMBN) Overvalued in 2026?

Based on GuruFocus' analysis, Farmers and Merchants Bancshares stock appears to be overvalued. The current stock price of $35.50 is trading 42.7% above its estimated GF Value™ of $24.88.

Key valuation signals for FMBN:

  • Interest Expense: $-2.00 Mil
  • GF Value™: $24.88 vs. price of $35.50 (42.7% above fair value)
  • GF Score™: 51/100 with 5 warning signs

No single metric tells the full story. See the FMBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Farmers and Merchants Bancshares Business Description

Address 221 Jefferson Street, Burlington, IA, USA, 52601
Farmers and Merchants Bancshares Inc is a bank holding company. The company provides financial services through its offices in the greater Burlington, Iowa area. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, agricultural, commercial and installment loans.
51GF Score

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Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$35.50
Price
$24.88
GF Value